North Shore Trust and Savings savings, CD and money market rates
North Shore Trust and Savings' Passbook Savings lists 0.15% APY. That is 0.23 percentage points below the national savings average of 0.38% (FDIC, Oct 2026).
Ranked #2103 of 3121 tracked savings rates by advertised APY. For a $10,000 balance it would rank #1904.
Estimate your earnings·What North Shore Trust and Savings actually pays
North Shore Trust and Savings at a glance
| Savings | |
|---|---|
| Top savings APY | 0.15% · Passbook Savings |
| Minimum to open | $100 · Passbook Savings |
| Against the national average | 0.23 percentage points below the 0.38% FDIC savings average (Oct 2026) |
| CDs | |
| Top CD APY | 4.10% · 13 months · 13 Month CD Special |
| Minimum to open | $1,000 · 13 months CD |
| Against the national average | 2.34 percentage points above the 1.76% FDIC 12-month CD average (Oct 2026) |
| Money market | |
| Top money market APY | 1.01% · Premium Money Market Account · needs at least $150,000 |
| Minimum to open | $75,000 · Premium Money Market Account |
| Against the national average | 0.38 percentage points above the 0.63% FDIC money market average (Oct 2026) |
| FDIC certificate | 27683 · Waukegan, IL |
|---|---|
| Website | www.northshoretrust.com |
| Branches | 3 branches in IL |
| Availability | Available in IL |
North Shore Trust and Savings savings, CD and money market rates
Personal
How the rate applies
How the rate applies
Business
Rates are APY. The national savings average is 0.38% (FDIC, Oct 2026). The top tracked savings rate on Banksparency is 12.00%. Across 59 savings accounts from 58 banks in the Banksparency core savings index, the median advertised rate is 3.65%, and one account in ten advertises 4.20% or more. See the highest savings rates.
North Shore Trust and Savings CD rates
| Term | APY | Minimum | Product |
|---|---|---|---|
| 3 months | 0.60% | $1,000 | 3 Month CD |
| 6 months | 0.75% | $1,000 | 6 Month CD |
| 12 months | 1.00% | $1,000 | 12 Month CD |
| 13 months | 4.10% | $1,000 | 13 Month CD Special |
| 18 months | 1.16% | $1,000 | 18 Month CD |
| 24 months | 1.26% | $1,000 | 2 Year CD |
| 30 months | 2.78% | $1,000 | 30 Month CD Special |
| 36 months | 1.36% | $1,000 | 3 Year CD |
| 48 months | 1.46% | $1,000 | 4 Year CD |
| 60 months | 1.56% | $1,000 | 5 Year CD |
Interactive Tool
Calculate Savings for North Shore Trust and Savings
All calculations are based on APY.
Savings Breakdown
- Interest Earned+$56.00(0.4%)
- Total Contributions$13,000
- Initial Deposit$1,000
Projected Balance
$14,056.00
The Banksparency Savings Calculator provides estimated savings growth based on user input and our latest data.
What North Shore Trust and Savings pays on deposits
FDIC call report data
An advertised rate tells you what a new savings account earns today. It cannot tell you how the bank has priced the savings and money market deposits it already holds, over time. This section shows that. The figure is computed from the interest expense and deposit balances that every bank files with the FDIC in the same form. That is what makes it comparable across banks and across quarters.
The two figures answer different questions, so they sit side by side and are not combined.
In Q2 2026, North Shore Trust and Savings paid a higher average rate on savings and money market deposits than 9% of banks that reported a figure (FDIC call report). The all-bank median was 1.45%.
- North Shore Trust and Savings, savings and money market
- All-bank median
How to read these figures
What the average covers. It is an average across the whole bank, taken from its own quarterly FDIC call report. It covers savings accounts and money market deposit accounts, personal and business, at every balance tier. It also covers accounts that were opened years ago and keep the rate of those years. The FDIC line does not separate consumer accounts.
The second figure. The scale row also shows the average across all interest-bearing deposits: savings, interest checking, money market accounts, CDs, personal and business. That figure covers the whole deposit book. The two are shown separately and are not combined.
What the advertised rate covers. It is the rate that this bank advertises now for a new savings account. Banksparency records it from the bank's website on the date shown beside it.
Why the two differ. They measure different things, so this page shows them side by side and keeps them apart. An advertised rate applies to one account, opened now, at today's price. The average also includes older savings balances at the rates of earlier years, money market balances that were priced in a different rate environment, and business accounts. An average below an advertised rate is the usual result of that arithmetic. On its own it is not evidence about the account that you would open.
What the average is useful for. The bank files the data itself, under reporting instructions that are the same for every filer, and the same computation runs for every bank on this site. That makes it comparable in a way that an advertisement is not. Two things on this page read it: the percentile, which shows where the quarter sits among all filers, and the chart, which shows the direction the figure has moved across quarters.
What the average cannot tell you. It cannot tell you the rate that you would earn. No single customer earns the average. For your rate, read the advertised rate above and the rate tables on this page, each with the date it was observed.
What to do next. Use the advertised rate to work out what a new account earns. Use the chart to see how the quarterly average has moved against the all-bank median. Then compare the advertised rate against the current rates on the savings-rate tables before you open an account.
Definitions: Call Report · Rate Paid on Deposits · Interest-Bearing Deposits · Front Book and Back Book · Deposit Rate Percentile
Average annualized rates paid on savings and money market deposits, and on all interest-bearing deposits, quarterly. The FDIC line for savings includes money market deposit accounts and business savings deposits and does not separate consumer accounts. Source: FDIC call report data, as reported; it may be amended. The percentile compares all FDIC filers, count-weighted. A missing quarter is suppressed, never interpolated. The percentile counts the banks that paid strictly less on savings and money market deposits, one vote per bank, among the banks that reported a figure for the quarter.
So what is the catch?
| Product | APY | Min to open | Min to earn | Balance cap | Monthly fee | Requirements | Rate type | 12-mo trend |
|---|---|---|---|---|---|---|---|---|
| Personal | ||||||||
| Passbook Savings | 0.15% | $100 | $0 | None | not stated | not stated | One rate | |
| Fine print: The passbook must be presented to make a withdrawal, so the account cannot be drawn on electronically. Deposits and direct deposits can still be made without it. | ||||||||
| Statement Savings | 0.15% | $100 | $0 | None | not stated | not stated | One rate | |
| Premium Money Market Account | 1.01% | $75,000 | $75,000 | None | A maintenance fee of $25.00 will be assessed if the balance in your account falls below $75,000 on any day of the statement cycle. | not stated | Tiered | |
| Fine print: A balance below $75,000 on any day of the statement cycle earns the bank's Premium Personal Checking rate instead of the money market rate. | ||||||||
| Money Market Account | Up to 0.25% | $1,000 | $1,000 | None | not stated | not stated | Tiered | |
| Fine print: A balance below $1,000 earns the bank's Premium Personal Checking rate instead of the money market rate. | ||||||||
| Business | ||||||||
| Business Savings | 0.15% | $100 | $0 | None | not stated | not stated | One rate | |
Rate type: one rate applies at every balance. A tiered rate changes with your balance. A promotional rate changes after the period shown. A balance cap is the largest balance the highest rate applies to.
The 12-month trend shows the highest advertised rate observed each day and includes promotional tiers where one applied.
CDs
| Product | Term | APY | Min to open | Early withdrawal fee | Compounding |
|---|---|---|---|---|---|
| 3 Month CD | 3 months | 0.60% | $1,000 | not stated | not stated |
| 6 Month CD | 6 months | 0.75% | $1,000 | not stated | not stated |
| 12 Month CD | 12 months | 1.00% | $1,000 | not stated | not stated |
| 13 Month CD Special | 13 months | 4.10% | $1,000 | not stated | not stated |
| 18 Month CD | 18 months | 1.16% | $1,000 | not stated | not stated |
| 2 Year CD | 24 months | 1.26% | $1,000 | not stated | not stated |
| 30 Month CD Special | 30 months | 2.78% | $1,000 | not stated | not stated |
| 3 Year CD | 36 months | 1.36% | $1,000 | not stated | not stated |
| 4 Year CD | 48 months | 1.46% | $1,000 | not stated | not stated |
| 5 Year CD | 60 months | 1.56% | $1,000 | not stated | not stated |
Fine print for 2 CDs above: The CD Special rate is not available on an IRA certificate.
Opening and using the account
| Availability | Available in IL |
|---|---|
| Footprint | 3 branches in IL |
| Eligibility | not stated |
How North Shore Trust and Savings behaves over time
Every observation of the advertised Passbook Savings rate in the last 12 months was 0.15% (observed through Oct 14, 2026). The series includes promotional tiers where one applied.
Recent rate changes, as observed
- Obs. Sep 9, 202613 Month CD SpecialRaise:3.95%to4.10%
- Passbook Savings
- The same as 30 days ago.
- 13 months CD
- The same as 30 days ago.
- Premium Money Market Account
- The same as 30 days ago.
$10,000 at the 0.15% APY North Shore Trust and Savings advertises on Passbook Savings grows to $10,015 in a year. Prices rose 3.7% in the year to September 2026 (Consumer Price Index (CPI)). After a year of prices rising at that pace, it buys as much as $9,654 does today. See how the federal funds rate shapes savings rates.
North Shore Trust and Savings CD rates over time
Who is North Shore Trust and Savings?
| Headquarters | Waukegan, IL |
|---|---|
| Founded | 1921 |
| Scale | $270M assets · $201M deposits, $172M of it interest-bearing (Q2 2026, FDIC) |
| Deposit insurance | FDIC insured · Certificate 27683 |
| Charter state | Illinois · one of 325 insured banks chartered there (Q2 2026, FDIC) |
| Size | 2,763rd-largest by deposits of 4,238 insured banks (Q2 2026, FDIC) |
| Deposit growth | Higher than at 7% of 4,226 insured banks over the four quarters to Q2 2026 (FDIC) |
Financial detail is in What North Shore Trust and Savings pays on deposits above.
Common questions about North Shore Trust and Savings
Is North Shore Trust and Savings FDIC insured?
Yes. North Shore Trust and Savings is FDIC insured under certificate 27683, so deposits are covered up to $250,000 per depositor, per ownership category.
What is the minimum deposit at North Shore Trust and Savings?
North Shore Trust and Savings requires a minimum deposit of $100 to open its Passbook Savings account, as observed on Oct 14, 2026. Check the bank's current terms before you open an account.
Does North Shore Trust and Savings have branches?
Yes. North Shore Trust and Savings operates 3 branches according to FDIC branch records, in addition to its website and mobile apps.
North Shore Trust and Savings against its closest alternatives
| Bank | Savings APY | Rate paid on savings and money market deposits (Q2 2026) | Min deposit | Branches |
|---|---|---|---|---|
| North Shore Trust and Savings | 0.15% | 0.34% | $100 | 3 branches in IL |
| ACNB Bank | 0.15% | 1.09% | $1,000 | 33 branches in MD, PA |
| American Metro Bank | 0.15% | 2.40% | $250 | 2 branches in IL |
| Bank of Deerfield | 0.15% | 1.28% | $25 | 2 branches in WI |
Each savings APY is the top rate of the account the bank's own page leads with. Alternatives are the three tracked banks whose savings APY is closest to North Shore Trust and Savings's.
Similar banks and related pages
Banks in the same rate band with the same product mix:
Other banks chartered in Illinois, nearest to North Shore Trust and Savings in deposits:
Rate hubs: today's highest savings rates, CD rates by term, and money market rates.
State pages: banks in Illinois.